AVP, Portfolio Relationship Manager, C & I
$75,000–$112,500 year
On-siteEscondido, California, United States
Job Summary
Conduct independent credit analysis and risk assessments for middle market clients, including preparing financial statement analyses, property appraisals, and credit approval reports. Structure and evaluate lower complexity credit requests such as asset-based lending, term loans, and commercial real estate projects while monitoring covenant compliance and collateral status. Draft loan documents in conjunction with legal counsel and perform risk rating reviews to ensure adherence to federal and state regulations. Collaborate with relationship managers on client assessments and complete problem loan status reports as assigned.
Required Qualifications
- Bachelor's degree in accounting, finance, economics or related field
- 3 years of related work experience
- Formal credit training
- Intermediate/Financial Accounting 1 and 2
- Good to strong understanding of lending, specifically, cash flow and collateral analysis and loan structuring
- Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: Regulation Z (Truth in Lending Act), Regulation B (Equal Credit Opportunity Act), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (BSA) in conjunction with the USA PATRIOT Act, An...
- Working knowledge of the Bank's Loan Policies and Standards
- High School diploma or equivalent
Desired Qualifications
- Intermediate/Financial Accounting 1 and 2 preferred
- Formal credit training and/or Intermediate/Financial Accounting 1 and 2 preferred
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